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Banca Ifis SPA (IT:IF)
:IF
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Banca Ifis SPA (IF) AI Stock Analysis

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IT:IF

Banca Ifis SPA

(LSE:IF)

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Outperform 70 (OpenAI - 4o)
Rating:70Outperform
Price Target:
€26.00
▲(11.97% Upside)
Banca Ifis SPA's stock score is primarily driven by its strong valuation, with a low P/E ratio and high dividend yield. However, financial performance concerns, particularly regarding cash flow and leverage, moderate the overall score. Technical indicators suggest a neutral market sentiment.
Positive Factors
Negative Factors

Banca Ifis SPA (IF) vs. iShares MSCI Italy ETF (EWI)

Banca Ifis SPA Business Overview & Revenue Model

Company DescriptionBanca IFIS S.p.A. provides credit services and solutions for enterprises. It engages in the purchase/management of non-performing loan portfolios. It offers factoring, advisory and equity investment, structured finance, leasing, and long-term financing for industrial investments. The company was founded in 1983 and is based in Mestre, Italy. Banca IFIS S.p.A. is a subsidiary of La Scogliera S.p.A.
How the Company Makes MoneyBanca Ifis generates revenue primarily through its factoring and lending services. The company's main revenue streams include interest income from loans and financing products, fees from factoring services, and commissions from various financial advisory services. Additionally, Banca Ifis has a significant presence in the healthcare financing sector, providing specialized loans and services to healthcare providers, which enhances its earnings. The bank also benefits from strategic partnerships with other financial institutions and businesses, allowing it to expand its service offerings and customer base. Overall, Banca Ifis's focus on SMEs and the healthcare sector positions it well for sustained revenue growth.

Banca Ifis SPA Financial Statement Overview

Summary
Banca Ifis SPA shows stable revenue growth and strong profit margins. However, increasing leverage and negative cash flow trends pose financial risks. The company needs to improve cash flow generation and manage debt levels to maintain financial health.
Income Statement
75
Positive
Banca Ifis SPA has demonstrated consistent revenue growth from €489M in 2020 to €661M in 2024, indicating a stable upward trend. The gross profit margin has remained strong at 100% due to the nature of banking operations. EBIT margins have been stable, maintaining around 40%, which reflects efficient operational management. However, the absence of EBITDA data for 2024 limits further analysis on operating profitability.
Balance Sheet
70
Positive
The company's debt-to-equity ratio increased from 1.44 in 2020 to 2.23 in 2024, indicating higher leverage which could pose financial risks. The equity ratio has slightly declined, suggesting decreasing asset financing by equity. Despite these concerns, return on equity has improved from 4.52% in 2020 to 9.33% in 2024, showing enhanced profitability relative to shareholder equity.
Cash Flow
60
Neutral
The free cash flow has shown volatility, with a significant drop to a negative figure in 2024. Operating cash flow was also negative in 2024, which presents a potential liquidity concern. The free cash flow to net income ratio turned negative, indicating inefficiencies in converting earnings into cash flow. This could be a risk if the trend continues.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue600.27M661.89M598.84M569.49M507.47M489.00M
Gross Profit600.27M607.08M650.18M569.49M507.47M489.00M
EBITDA189.56M268.60M255.26M228.71M168.61M109.69M
Net Income161.69M161.58M160.11M141.09M100.58M68.80M
Balance Sheet
Total Assets13.58B13.83B14.05B13.26B12.98B12.03B
Cash, Cash Equivalents and Short-Term Investments385.66M505.02M883.83M610.36M708.57M986.58M
Total Debt3.09B3.87B6.38B2.74B2.62B2.20B
Total Liabilities11.78B12.08B12.36B11.66B11.35B10.48B
Stockholders Equity1.78B1.73B1.68B1.59B1.60B1.52B
Cash Flow
Free Cash Flow68.89M-223.72M400.73M382.38M52.79M158.29M
Operating Cash Flow91.59M-191.52M445.41M399.95M73.42M205.30M
Investing Cash Flow0.00-50.66M-105.85M-17.51M73.54M10.32M
Financing Cash Flow0.00-110.34M-85.16M-134.69M-83.18M-5.00K

Banca Ifis SPA Technical Analysis

Technical Analysis Sentiment
Positive
Last Price23.22
Price Trends
50DMA
23.27
Negative
100DMA
22.93
Positive
200DMA
21.70
Positive
Market Momentum
MACD
0.04
Positive
RSI
50.29
Neutral
STOCH
42.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:IF, the sentiment is Positive. The current price of 23.22 is above the 20-day moving average (MA) of 23.19, below the 50-day MA of 23.27, and above the 200-day MA of 21.70, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 50.29 is Neutral, neither overbought nor oversold. The STOCH value of 42.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:IF.

Banca Ifis SPA Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
70
Outperform
€1.40B7.918.85%9.13%-3.63%-5.12%
67
Neutral
4.63B6.940.00%7.05%-3.34%13.60%
64
Neutral
105.31M22.365.77%7.78%-1.37%-43.31%
59
Neutral
342.09M0.00%0.00%0.00%
59
Neutral
616.15M-17.68-8.92%15.53%-35.02%
54
Neutral
1.04B8.718.67%5.88%-6.81%-4.79%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IT:IF
Banca Ifis SPA
23.22
3.67
18.77%
GB:0FP9
Banca Profilo SPA
0.16
-0.03
-15.79%
GB:0O5V
Banco di Desio e Della Brianza SPA
7.61
2.56
50.69%
GB:0K93
Credito Emiliano SPA Credem
13.48
4.12
44.02%
DE:1DB0
doValue S.p.A
3.15
0.87
38.16%
DE:53D
illimity Bank SpA
3.96
-0.46
-10.41%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 20, 2025